a lot of people regulate in this environment and we feel like not everybody is talking to each other. however, this report is going to have a large of discussion here people will disagree with the chronology. some will disagree with the findings. but we hope is the solutions, because everybody recognizes the fact that the money went missing and that's a flawed and needed to fix that. so as the solutions come forward, some may not require congress to act. the industry itself may take the perp reactions. some may require beneath enabling legislation for the solution. if they do, we will bring that forward. yes, sir. >> you charge about how the answer is not a regulation that existing was better. he proposed several roles in the last several weeks about the scandal and also development -- >> well, one of the things that came out of that number one, don't use the alternative method. i think it's a good ting on their behalf. but we do hope is the regulatory community is doing a self-examination of coming in zero, this process as well. we hope this will provide additional information. they